Best credit card for gas spend | Coffee Break Ep70 | 9-16-25

By
Caroline Yoder
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2

When you’re at the gas station filling up, which credit card should you be using for that purchase? We used to value Wyndham points around 1 cent each, which made the Wyndham Rewards Earner Business Card, which earned 8 points per dollar at gas stations, a clear winner. But recent data has bumped that value down to about .7 cents, making it less of an obvious choice. So, which card should you consider for buying gas instead?

Best credit card for gas spend

Watch the full episode below, or listen on your favorite podcast platform. You can click the timestamps below to navigate directly to a specific part of the episode within YouTube. For a transcript of this episode, click “Watch on Youtube” on the video below, then click the “…more” link in the video description. This will expand full video details. Scrolling down past the timestamps and chapters, you’ll see a “Show Transcript” button. If you’re an Apple Podcast listener, you can touch and hold a podcast episode to reveal an option to view a transcript.

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Or listen here (or click “Follow” on the player below to select your preferred podcast app instead):

(01:08) – Citi Custom Cash® Card 5x (7.5%), up to $500 per billing cycle

(02:22) – American Express® Business Gold Card 4x (6.2%)

(03:42) – Wyndham Rewards Earner Business Card 8x (5.6%)

(04:30) – Business Advantage Customized Cash Rewards credit card with platinum honors preferred rewards (5.25%): up to $2500 per qtr

(05:13) – Sams Club Mastercard 5% (up to $6K per year)

(05:40) – Costco Anywhere Visa 5% at Costco, else 4% (up to $7K)

(06:08) – Citi Strata Premier℠ Card 3x (4.5%)

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Music Credit – Beach Walk by Unicorn Heads

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Jeff

Surprised to hear you talk about spending money on other things at gas stations bc I recently looked into this (after getting Wyndham card) and it seems that most of the time purchases inside a station don’t code as gas. It seemed only a couple truck stops (Pilot, I think) sell 3rd party gc and code as gas. Am I wrong? I need to meet a big minimum spend on the card so getting more 8x would be nice.

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enthusiast

Interesting coffee break, thanks for sharing. I’ve been pondering this thought too. At least this quarter I’m prioritizing using Chase Freedom Flex for gas (5x) over Wyndham Rewards Earner Business because currently earned points can still be burnt at 1.5x with a Sapphire Reserve, but that’s ending (no spare Custom Cash, no Biz Gold).

I’m down-valuing 8x Wyndham to 5.44% now because .68 is the lowest the points have been sold at (down from .72, down from .94). Good to see that your valuation methodology (RRV) roughly agrees with the lowest sale price of the points.

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